12 cards · sourced directly from issuer documentation · last traced · every figure linked to its source
Rewards on UK business cards are an uneven mix. Some cards pay cashback as a flat percentage, and the number is what it looks like. Others earn points into programmes like Avios or Membership Rewards, where the value depends entirely on how you redeem.
The rate shown here is the ongoing, standard earn. Introductory boosts live in the welcome-offer dataset, not this one.
Points do not have a fixed cash value, and we don’t pretend otherwise. A single Avios point is worth 0.5p on one redemption and comfortably over 1p on another. Averaging those out would flatter weak cards and punish strong ones.
Run the numbers against the redemption you actually plan to use, not a published headline. Every row links to the issuer terms and rewards-programme documentation we read.
Scope: UK incorporated businesses only (limited companies and LLPs). Sole trader and consumer cards are excluded. How we research this data.
| Card | Rewards / Cashback Rate | Verified | Source | |
|---|---|---|---|---|
|
American Express Basic Business Card | None | American Express | |
|
HSBC Business Credit Card | None | HSBC | |
|
Funding Circle FlexiPay | None | Funding Circle | |
|
Funding Circle Cashback Business Credit Card | 1.5 | Funding Circle | |
|
American Express Business Gold Card | 1.0 | American Express | |
|
American Express Business Platinum Card | 1.0 | American Express | |
|
NatWest Business Credit Card | 1.0 | NatWest | |
|
Capital on Tap Business Credit Card | 0.5 | Capital on Tap | |
|
Barclaycard Select Cashback Business Credit Card | 0.5 | Barclaycard | |
|
|
Barclaycard Premium Plus Business Credit Card | 0.5 | Barclaycard | |
|
Lloyds Bank Business Credit Card | 0.5 | Lloyds | |
|
Santander Business Cashback Credit Card | 0.5 | Santander |
Notes and definitions
- The rate shown is the ongoing standard earn rate. Introductory or promotional uplifts live in the welcome-offer dataset, not this one.
- Points and miles do not carry a fixed cash value, and we don’t apply estimated valuations. A single point can be worth 0.5p on one redemption and comfortably over 1p on another, and averaging those is a distortion either way.
- Where a programme pays an elevated rate on the first tranche of annual spend and drops to a base rate above that threshold, we show the base rate. Smaller spenders should check whether the uplifted band already covers their annual spend.